Get paid with Zelle®

• Eligible small business accounts can send, receive, or request money with Zelle®. To get started, log into Comerica Web Banking or the Comerica Mobile Banking app and click on the Transfers tab to access Zelle®.
  
• Accept Terms and Conditions to enroll.
• Choose the primary account you wish to use for sending and receiving money.
  
• Review your account information (U.S. mobile number, email address and primary account).
• Select Done! You are now ready to use Zelle® for your small business in Comerica Web Banking or Comerica Mobile Banking app.
• To send money with Zelle®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. mobile number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes.¹
• If the small business or consumer you send money to has already enrolled with Zelle® through their banking app, the money is sent directly to their bank account and cannot be canceled. It’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number when sending money.  
• To receive money using Zelle® with a small business account, share your enrolled email address or U.S. mobile number with your customers and ask them to send you payment with Zelle® right from their banking app. No need to share any sensitive account details. After the consumer sends you payment with Zelle®, you will receive your money directly into your enrolled bank account.
• To request money using Zelle® with a small business account, click “Send Money with Zelle®,” select “Request,” enter the individual’s email address or U.S. mobile number, confirm the recipient is correct and tap “Request.” 
• If your customer is using Zelle® through their banking app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request. If your customer is enrolled in the Zelle® app, they will not be able to send you money with Zelle®, and you should arrange for a different payment method. 

Zelle® QR code provides peace of mind knowing you can send and receive money, without typing an email address or U.S. mobile number. Find Zelle® in the Comerica Mobile Banking app, click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Your phone’s camera will open up. To send money, simply point your camera at the recipient’s Zelle® QR code, enter the amount, hit “Send,” and the money is on the way! When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money. 

To locate your own Zelle® QR code, click the “My Code” tab. From here you can view your QR code and use the print and share icons to text, email or print your Zelle® QR code. 

The email address or U.S. mobile number may already be enrolled with Zelle® at another bank or credit union. Comerica Web Banking will provide you with steps to move your enrollment over to Comerica. If you have any questions, we’re always here to help.

You can send money to any business or individual that is enrolled or will enroll in Zelle®¹ at their financial institution. 

Whether you use Zelle® with a business account or a consumer account, Zelle® uses the same network to initiate payments to small businesses and consumers. Consumers who are already enrolled with Zelle® through their banking app don’t need to do anything different to send money to a small business. The experience is slightly different for small businesses, as small businesses cannot currently send payments to or receive payments from consumers who are only enrolled in the Zelle® app.¹ 

Comerica small business customers are not charged any fees for using Zelle®. Transaction fees may apply depending on the account type. 

There are a few ways you can encourage your customers to pay you with Zelle®:

• Tell your customers that you accept Zelle® payments and they can easily send you money right from their banking app.
• Include it as a payment method on your invoices, such as “We accept payments with Zelle®”.
• Use Zelle® to request money from your customers, which will send them a notification telling them you’ve requested payment with Zelle®.²
• Download Zelle® marketing assets for free from zellepay.com(Opens a new window) and add them to your website, social media and more!
• Please note, you'll only be able to receive payments from consumers using Zelle® through their financial institution's banking app. You will not be able to receive payments from consumers enrolled in the Zelle® app.

• You can only cancel a payment if the small business or consumer you sent money to hasn’t yet enrolled with Zelle®. Go to your activity page, and if the payment you want to cancel is pending, choose the payment and select “Cancel This Payment.”
• If you send money to a small business or consumer that is enrolled in Zelle® through their bank or credit union's mobile app, the money is sent directly to their bank account and it cannot be canceled. This is why it’s important to ensure you’ve used the correct email address or U.S. mobile number.
• If you sent money to the wrong person, please immediately call our customer support team 888-444-9876 so we can help you.
• If you try to send money to a consumer who is enrolled in the Zelle® app, the payment won’t go through, and a message will pop up to let you know the payment cannot be completed. With small business accounts, Zelle® does not currently support sending or receiving money to users enrolled in the Zelle® app.

• Money sent with Zelle® is typically available to an enrolled recipient within minutes.
• If you send money to someone who isn’t enrolled with Zelle®, they will receive a notification prompting them to enroll. After enrollment, the money will move directly to your recipient’s account, typically within minutes.
• If the money sent is above our daily limit of "In Minutes" Zelle® transactions, your payment may default to "Standard Delivery" and take 1-3 days.
  

• In Comerica Web Banking or the Comerica Mobile Banking app, open Send money with Zelle®, tap Activity where you can view Pending and Past Activity with payments you sent or received.
• You will receive an email alert when a payment was sent. You can also enable additional alerts in Comerica Web Banking or Comerica Mobile Banking.

Confirm with your recipient that they have enrolled with Zelle® at their financial institution. Also confirm that you entered the correct email address or U.S. mobile number for your recipient. Still having trouble? We’re always here to help. 

Neither Comerica nor Zelle® offers purchase protection for payments made with Zelle® - for example, if you do not receive the item you paid for or the item is not as described or as you expected.

Keeping your money and information safe is a top priority for Comerica. When you use Zelle® within our online banking or mobile app, your information is protected with the same technology we use to keep your Comerica account safe. When you send with Zelle® in Comerica Web Banking or Comerica Mobile Banking app, a one-time passcode (OTP) request is required to help protect your security. These SMS (text) or email message messages will now contain:

• Comerica Bank
  
• Instructions not to share the OTP
• Confirmation that the OTP is exclusive to Zelle®
• Assurnace that we will never request the code via call or text

• You can request payments directly through your Comerica Web Banking or Mobile Banking app by clicking “Send money with Zelle®,” selecting “Request,” entering your customer’s email address or U.S. mobile number, confirming the information is correct and tapping “Request”.²
• If your customer is using Zelle® through their bank’s mobile app, they’ll be able to pay you with Zelle®. You’ll receive a payment notification once your customer has sent you money in response to your request.

In order to use Zelle®, the sender and recipient’s bank or credit union accounts must be based in the U.S.